Your Guide:

You’ve worked hard, saved well, and now you’re thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to enjoy the impact? Let’s talk about how to make that decision with confidence.

In this episode, Scott shares a thoughtful 4-step process to help you navigate one of the most meaningful decisions in retirement. He explains how to give without fear, make sure your own needs are protected, and ensure your generosity reflects your values and your financial reality. Thinking about helping a child buy their first home? Planning a meaningful gift to a cause you care about? Scott breaks down how to give with confidence, without putting your own retirement at risk.

Here’s what we cover in this episode:

🛫 Why planning to “put your oxygen mask on first” is essential

🎯 Clarifying your motivations before giving

💸 How to give tax-smart and avoid costly surprises

🎁 Structuring your gifts based on how recipients handle money

0:00 – Intro

0:36 – Should You Gift Now or Later?

1:58 – Step 1: Make Sure You’re Covered

3:47 – Step 2: Clarify Why You Want to Give

6:35 – Step 3: Understand the Gifting Rules

10:07 – Step 4: Weigh the Emotional and Financial Impact